KhataBook vs OkCredit in July 2026

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90% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

KhataBook

Accounting Software

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85% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

OkCredit

Accounting Software

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91% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Zoho Books

Accounting Software

4.4 4,924 user ratings

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Featured

95% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Xero

Accounting Software

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Overview

Description	KhataBook is an intuitive digital ledger app that helps micro, small and medium merchants to track and record their business transactions safely. It also allows users to send and receive online payments through UPI and QR code. Moreover, the app generated reports can be downloaded and shared by the users, with every transaction to maintain a proper schedule of debits and credits easily. It conducts automatic data backups, facilitating accurate protection against phone theft or loss. Khatabook automatically syncs all of the data, saving hours of users’ time. With the KhataBook QR, users can receive payments from any other app. They can send automatic payment reminders along with the payment links to customers and receive timely payments. The app provides 24x7 support available in 12 languages for any generated queries. More than 4 crore+ businesses have been registered for this app in 4000+ cities across India. Read more	OkCredit software is a platform used to track receivables and payables in minutes. The software offers timely reminders via free SMS and WhatsApp to make instant payments. Monitor transactions with reports and statements on any device. It supports Mobile Android and iOS. Small business make use of the software. Read more	Zoho Books is an easy-to-use and affordable accounting software designed to streamline the business finances. It helps track cash flow, expenses, and income with ease. Perfect for businesses operating globally, it features multi-currency support, making international transactions seamless. Zoho Books also offers professional invoice services and a tax filing portal, allowing to file returns directly without hassle. Additional features include Bank Reconciliation and efficient management of general and accounts, ensuring the finances are always in order. With its comprehensive tools, Zoho Books minimizes the time spent on accounting tasks, letting to focus on the core business activities. Whether managing day-to-day transactions or handling complex financial tasks, Zoho Books delivers everything required to stay on top of the finances. It’s the ideal solution for businesses looking for a reliable, all-in-one accounting platform that supports growth and efficiency.. Read more	Xero is an award-winning online accounting software for small scale businesses. Xero offers a variety of features to make your business function smoothly and efficiently. The software handles all the accounting transactions effectively. It permits unlimited users to get online at a time and work in collaboration over data which is accessible through a single ledger. Xero also provides Bank Reconciliation services by importing the various transactions from your bank accounts and matching them with your cash-book. Business finances and cash-flow statements are updated on a real-time basis, helping you to keep a track of all your expenses and transactions. Read more
Pricing Options	Free Trial Not Available Offers Free-forever plan.	Free Trial Not Available Offers Free-forever plan.	Free Trial Available Starts at $15.0. Offers Free-forever plan.	Free Trial Available Starts at $29.00.
SW Score & Breakdown	90% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 93% Reviews 60% Momentum 67% Popularity 66%	85% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 86% Reviews 60% Momentum 67% Popularity 64%	91% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 100% Reviews 60% Momentum 60% Popularity 66%	95% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 100% Reviews 60% Momentum 60% Popularity 70%
SaaSworthy Awards	# 4 Fastest Growing # 5 Most Popular	Not Available	# 15 Fastest Growing # 10 Most Popular	# 2 Most Worthy # 6 Fastest Growing

Features

Total Features	13 Features	10 Features	18 Features	18 Features
Common Features for All	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 10 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 7 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 15 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 15 More - Show Less

Technical Details

Organization Types Supported	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business
Platforms Supported	SaaS/Web/Cloud Mobile - Android Mobile - iOS	SaaS/Web/Cloud Mobile - Android Mobile - iOS	SaaS/Web/Cloud Mobile - Android Mobile - iOS	SaaS/Web/Cloud Mobile - Android Mobile - iOS
Modes of Support	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online
API Support	NA	NA	Available	Available

Reviews & Ratings

User Rating	Not Available	Not Available	4.4/5 4,924 user ratings	Not Available
Rating Distribution	Not Available	Not Available	Excellent 73.9% Very Good 13% Average 1.6% Poor 1.3% Terrible 10.2%	Not Available
User Sentiments	Not Available	Not Available	User-Friendly Interface, Extensive Integrations, Comprehensive Features, Excellent Invoicing Capabilities Limited Customization Options, Occasional Bugs or Glitches, Bank Feed Syncing Issues, Limited Reporting Capabilities	User Friendly Interface, Extensive Integrations, Automated Bank Feeds, Comprehensive Reporting Unreliable Bank Feeds, Slow Support Response Times, Limited User Permissions, Lack of Phone Support
Review Summary	Not Available	Not Available	Zoho Books is a popular accounting software praised for its user-friendly interface, making it accessible to both beginners and experienced users. Users appreciate its comprehensive features, including invoicing, expense tracking, bank reconciliation, and inventory management. Zoho Books also integrates seamlessly with other Zoho products, streamlining workflows and data sharing. While some users find limitations in customization options and reporting capabilities, overall, Zoho Books stands out as a cost-effective and versatile accounting solution for small businesses.	User reviews of Xero are mixed. While many praise its ease of use, seamless integration with other platforms, and robust features for small businesses, they often express frustration with unreliable bank feeds, slow customer support response times, and lack of essential functionalities. Some users find the new invoicing system cumbersome, while others appreciate the help provided by Xero's support team, especially when it comes to technical issues. Overall, Xero is a powerful accounting software for small businesses but has drawbacks in its customer support and recent feature updates.
Pros & Cons	User-friendly interface and easy-to-use features Automatic data backup and sync for data protection Supports multiple languages for wider accessibility Limited advanced accounting features compared to other software May not be suitable for large businesses with complex accounting needs	Free SMS and WhatsApp reminders for timely payments Mobile-friendly platform for easy access and management Suitable for small businesses with basic accounting needs Limited reporting and analytics capabilities May not offer advanced features found in more comprehensive accounting software	Not Available	Not Available
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Pricing

Pricing Options	Free Trial Not Available Offers Free-forever plan.	Free Trial Not Available Offers Free-forever plan.	Free Trial Available Starts at $15.0. Offers Free-forever plan.	Free Trial Available Starts at $29.00.
Pricing Plans Monthly Plans Annual Plans	KhataBook Free	OkCredit Free	Free Free Standard $15.00 $20.00 per month Professional $40.00 $50.00 per month Premium $60.00 $70.00 per month Elite $120.00 $150.00 per month Ultimate $240.00 $275.00 per month	Starter $29.00 $29.00 per month Standard $46.00 $46.00 per month Premium $69.00 $69.00 per month
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